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Updated: Sep 06, 2026
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| Certification Vendor: | New Jersey Department of Banking and Insurance (NJDOBI) |
|---|---|
| Exam Name: | New Jersey Life Producer Examination |
| Exam Number: | NJ-Life-Producer |
| Exam Duration: | 120 minutes |
| Real Exam Qty: | 83 |
| Available Languages: | English |
| Certificate Validity Period: | License renewal required every 2 years with continuing education requirements |
| Passing Score: | 70% |
| Related Certifications: | New Jersey Life Insurance Producer License |
| Exam Format: | Multiple Choice, Computer-Based Testing |
| Exam Price: | USD 47 |
| Sample Questions: | Insurance Licensing NJ-Life-Producer Sample Questions |
| Exam Way: | Available at PSI testing centers and through remotely proctored online examination. |
| Pre Condition: | Completion of a New Jersey-approved prelicensing education course (typically 20 hours for Life line of authority) and possession of a Certificate of Completion. |
| Official Syllabus URL: | https://www.psiexams.com/test-takers/njdobi/ |
| Section | Objectives |
|---|---|
| Topic 1: State Laws, Rules, and Regulations | - New Jersey Insurance Regulations - Producer Licensing Requirements - Marketing Practices - Ethics and Consumer Protection |
| Topic 2: Retirement and Other Insurance Concepts | - Retirement Plans - Qualified Plans - Life Insurance Needs Analysis |
| Topic 3: Completing the Application, Underwriting, and Delivering the Policy | - Application Process - Underwriting - Policy Delivery |
| Topic 4: Types of Policies | - Annuities - Interest-Sensitive Life Products - Traditional Whole Life Products - Combination Plans and Variations - Term Life Insurance |
| Topic 5: Policy Riders, Provisions, Options, and Exclusions | - Policy Provisions and Options - Policy Riders - Policy Exclusions |
Question 1
All of the following items may be considered forms of advertising for life insurance EXCEPT
A. Informational brochures.
B. Sales presentations.
C. Buyer's Guides.
D. Audiovisual materials.
Question 2
A policyowner cannot change the beneficiary if he has named
A. A spouse.
B. An irrevocable beneficiary.
C. A permanent beneficiary.
D. A revocable beneficiary.
Question 3
The settlement option that allows proceeds to remain with the insurer and the earnings to be paid to the beneficiary on a monthly basis is called
A. Interest only.
B. Fixed amount.
C. Fixed period.
D. Lump sum.
Question 4
A life insurance policy most often becomes effective when the
A. Application is submitted.
B. Policy is actually issued.
C. Agent and individual agree on coverage.
D. Premium is collected and policy is issued.
Question 5
Under a multiple protection policy, the policy that pays on the death of the last person is called
A. An annuity life policy.
B. A survivorship life policy.
C. A universal life policy.
D. A joint life policy.
Solutions:
| Question 1 Answer: C | Question 2 Answer: B | Question 3 Answer: A | Question 4 Answer: D | Question 5 Answer: B |
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